While totally avoiding risk entirely is impossible, being prepared to proactively address it can significantly reduce adverse and costly consequences, while providing peace of mind.

FCCS offers a variety of risk management, insurance programs, claims and loss control solutions to ensure our clients are as prepared as possible. We have deep experience working with clients in a myriad of industries, including financial services firms, agricultural cooperatives, municipalities and educational institutions.

We offer:

  • Risk Assessments
  • Loss Prevention Program Development and Consulting
  • Contingency Plan Development and Testing

Read more about these services below.

Risk Assessments

FCCS has the ability to conduct a variety of risk management assessments to minimize the adverse effects of losses. We can review all types of financial and operational risks. Examples include contract reviews, operational reviews, fire prevention, unsafe work conditions or practices, fleet management and maintenance, coverage reviews, and hazards related to storage or use of materials and equipment.

Below is a sample list of analytical risk activities we perform when assessing risk:

  • Review contracts and leases; ensure they include the most appropriate insurance provisions.
  • Review company policies and procedures.
  • Assist with establishing and maintaining consistent and effective accident investigations.
  • Review claims frequency and severity to identify adverse trends and recommend appropriate action plans in developing and refreshing loss control program.
  • Workers Compensation - review work-related injury and illness, including return-to-work programs.
  • Develop and test comprehensive business continuity, disaster response and recovery plans.
  • Assist with regulatory compliance - Occupational Safety & Health Administration (OSHA) standards; Environmental Protection Agency (EPA); Department of Transportation (DOT) requirements and compliance with Americans with Disabilities Act (ADA) and other labor laws
  • Insurance coverage reviews
  • Review and/or establish a Lender Liability action checklist (for lending programs).

Loss Prevention Program Development and Consulting

To assist clients in reducing losses and better controlling related costs, we can provide our insight and experience in addressing and establishing loss prevention programs. Good loss control programs encompass both the physical and human aspects of managing risk. They should address workplace safety, property conservation and public safety stemming from your premises, operations or vehicles. An effective loss control program addresses more than regulatory compliance. It also includes analyzing potential exposures such as:

  • Slip and Fall Accidents
  • Workers Compensation Claim Administration
  • Audits, Fraud and Internal Controls
  • Employment Practices Loss Control
  • Workplace Violence Loss Control
  • Telecommuting Programs
  • Ergonomics Program
  • Mobile Technology Usage
  • Travel Safety Guidelines
  • Professional Liability Risk Mitigation
  • Lease Agreements
  • Lenders Single Interest Exposures and Due Diligence, including RESPA
  • Pollution and Remediation Legal Liability Loss Control
  • Fire Extinguisher Usage
  • Construction and Service Contracts
  • Temporary Employment and Independent Contractor Agreements
  • Non-Owned Aircraft Guidelines, including drones
  • Analyzing Equipment and Automobile Leases
  • Auto Fleet Safety Program
  • Water Intrusion

Contingency Plan Development and Testing

The proverb ‘he who fails to plan, plans to fail’ is quite applicable when it comes to contingency plan development and testing. A fully developed and tested contingency plan is an essential element of developing, monitoring and analyzing risk management programs.

When establishing contingency plans, an organizing should be asking these questions:

  • Are you prepared to protect employees?
  • Safeguard market share?
  • Maintain and retain brand reputation?
  • Protect vital records; and
  • Restore operations in the shortest timeframe possible?
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